To provide a proactive Business Banking sales and service management function that will retain and grow a portfolio of Business clients.
To and identify and implement value-adding and specialised Business Banking financial product solutions from a range of standard and/or customised offerings.
The role includes visiting clients at business premises (frequent travel).
Qualifications (Minimum)
A relevant tertiary qualification in Business Management or Finance
Qualifications (Ideal or Preferred)
Bachelor's Degree in Business Management or Similar
Experience
Minimum:
Banking experience of at least 5 years - of which at least 3 years spent in the Business Banking environment.
Managing a complex portfolio of Business customers with a service and financial analysis focus.
Significant experience in preparing and motivating Credit applications.
Cost control and sales management.
Ideal:
1-2 years managerial leadership / managerial experience.
Managing a small Business Centre.
Knowledge
Minimum:
Principles and practices of business economics and the current business economic environment.
Customer relationship management (CRM) principles and techniques.
Different industry sectors and sector risk profiles / trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric. clients in the portfolio).
Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.
General banking practices and procedures.
Knowledge of competitor product offerings / channels / operational and marketing tactics.
Credit principles and practices, including an understanding of credit application, securities.
Legal entities (companies, close corporations, sole proprietorships, etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
Able to extract, analyse and apply CRM insights to influence the client management approach and strategy.
General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the Business market.
Ideal:
Features, benefits and value propositions of the respective company product / service offerings.
Multi-level products available and pricing structures.
Current taxation laws as they apply to customers.
Good knowledge of administration processes and procedures pertaining to Business Banking transactions.